1 ANZ Merchant Business Solutions MERCHANT OPERATING GUIDE
2 Contents Getting Started Welcome to ANZ 2 How to Contact Us 2 Your Key Responsibilities 3 Which Cards Should you Accept? 4 Security Checks to Validate a Nominated Card 4 Card Present and Card Not Present Transactions 6 Authorisation 6 Settlement Procedures 7 Monthly Merchant Statement 8 EFTPOS Terminal Message Guide 9 Frequently Asked Questions 10 How to Process Transactions Card Present Transactions 11 Card Present Transactions using an EFTPOS Terminal 11 Card Present Credit Card Transactions using a Card Imprinter or the IVR Authorisation and Settlement Service 13 Card Not Present Transactions 15 Card Not Present Transactions using an EFTPOS Terminal 15 Card Not Present Transactions using a Mail, Telephone or Internet Order Transaction Voucher or the IVR Authorisation and Settlement Service 16 Card Not Present Transactions using an Internet Payment Gateway 17 How to Process Refunds and Credits 18 Getting Started Welcome to ANZ Welcome and congratulations on your decision to get your Merchant Facilities from us. This Merchant Operating Guide is provided to help you become familiar with the operation of your Merchant Facilities and the acceptance of Debit Cards and Visa and MasterCard Credit Cards. If you wish to extend the range of cards accepted to include American Express, Diners Club or JCB, please contact these companies directly. We recommend that you and your staff read this guide thoroughly and keep it accessible for future reference. The Merchant Operating Guide forms part of your Agreement with us for Merchant Facilities and may be varied or replaced by us from time to time. Terms defined in the Terms and Conditions have the same meaning when used in this Merchant Operating Guide. How to Contact Us For service, financial or general enquiries: Call ANZ Merchant Business Solutions on , or If you are calling from overseas please dial For telephone authorisation of Credit Cards: Call the Credit Card Authorisation Centre on For problems with your EFTPOS Terminal: Call your EFTPOS Terminal supplier. Postal address: ANZ Merchant Business Solutions PO Box 2211 Wellington Banking Procedures for Transaction Vouchers Card Imprinter Credit Card Sales Vouchers 19 Mail, Telephone or Internet Order Transaction Vouchers 21 Notice of Error 22 EFTPOS Terminal not Working 22 Fraud Protection and Chargebacks Fraud Protection and Minimisation Tips 24 Protecting Account and Transaction Information 27 Securing your EFTPOS Terminal 28 Chargebacks 29
3 Your Key Responsibilities The tasks and procedures detailed below and in this Merchant Operating Guide must be completed for you and your staff to fulfil your responsibilities as a Merchant: Which Cards Should You Accept? We can provide you with the ability to accept all Visa and MasterCard Credit Cards, Maestro Cards and New Zealand issued Debit Cards as payment for your goods and/or services. 3 4 Follow all the instructions in this Merchant Operating Guide. Only process Card Present Transactions unless we have agreed you can process Card Not Present Transactions or any other Transaction types as detailed in your Letter of Offer and Acceptance. Check your Merchant Service Fee on your monthly Merchant Statement regularly to ensure you are paying the correct rate. Accept and validate all Nominated Cards presented for payment see page 4 for more detail. Follow the correct Authorisation procedures. Ensure the Cardholder authorises all Credit Card Transactions by using a Personal Identification Number (PIN) or signing the Transaction Receipt unless the Transaction is by mail, telephone or internet order or is a Contactless Transaction of $80 or less. Do not split a single Transaction into two or more Transactions. Do not give cash out with Credit Card Transactions (including refunds). Do not impose a minimum or maximum amount on Credit Card or Debit Transactions. Retain paper or electronic records of all Transactions for 18 months. These must be kept in a secure place and destroyed by shredding into small pieces after 18 months. Be alert to possible Credit Card fraud and report all instances see page 24 for more detail. Ensure the logos of the cards you accept are clearly displayed at your point of sale. Keep your Card Imprinter and Transaction Vouchers in a secure place as you may need them if your EFTPOS Terminal is not working. Complete all Transactions in New Zealand dollars unless we have given you permission to accept Transactions in another currency. Protect account and Transaction information and your EFTPOS Terminal by conforming to the requirements outlined on pages 27 and 28. For Card Not Present Transactions, never store the CSC values (these are the three digit security codes on the reverse of Visa and MasterCard credit cards) after a Transaction has been authorised. If a Debit Card or Credit Card is accidentally left behind in your premises, you must: retain the card in a safe place for a period of two Business Days; and hand the card to the claimant only after having established the claimant s identity by comparing signatures with another card in the claimant s possession; or if not claimed within two Business Days, cut the card in half and send it to ANZ Merchant Business Solutions, PO Box 2211, Wellington If your Agreement with us for Merchant Facilities includes the acceptance of Visa and MasterCard Credit Cards and Maestro debit cards, you must accept all valid Nominated Cards bearing any of these logos without restriction on the amount of the Transaction. If you are applying a Surcharge Fee to Visa or MasterCard Credit Card Transactions you must advise the Cardholder and give them a chance to opt-out before processing the Transaction. You must also follow the procedures set out in Clause 21 of the Terms and Conditions. Maestro is an international Debit Card and is a MasterCard product. Maestro branded cards are issued by financial institutions, and provide Cardholders with access to cheque and savings accounts held outside New Zealand. Maestro Transactions must be processed using an EFTPOS Terminal and require a PIN to authorise the Transaction. They cannot be processed using Transaction Vouchers. Complimentary signage will be provided to assist you in promoting the cards you accept at your point of sale. This signage must be displayed in accordance with your Agreement. Security Checks to Validate a Nominated Card The following checks must be made to ensure a Nominated Card is valid and can be accepted for payment. Failure to recognise a fraudulent card could result in a Chargeback (disputed transaction) and a loss to your business. Checks for Credit Cards Most Credit Cards have the card details embossed on them Embossing should be even with all numbers the same size and shape (1) Check the card expiry date, is it valid? (2) Ensure the Cardholder name is present and does not look like it has been tampered with (3) Does the name on the card match any other information provided? Note: Visa and MasterCard cards without embossing usually have the words Electronic Use Only printed on them and must only be processed as an Electronic Transaction using an EFTPOS Terminal. Check that there is a four digit number printed below the account number Even if scratched this number cannot be removed Check it matches the first four digits of the account number (4)
4 Hologram Visa: Flying Dove (5) MasterCard: Interlocking Globes Account numbers These start with a 4 for Visa or a 2 or 5 for MasterCard Signature panel You will also notice there are three additional numbers on the signature panel after the end of the card number, known as the Card Security Code. These numbers are needed for mail, telephone or internet order transactions (6) Check that there is a signature and no evidence of tampering (7) Card Present and Card Not Present Transactions Transactions can either be Card Present Transactions or Card Not Present Transactions. Your Letter of Offer and Acceptance details which types of Transactions you can accept. A Card Present Transaction is where the Cardholder and their Nominated Card are present during the Transaction at your Premises or place of business. These Transactions are typically processed electronically via an EFTPOS Terminal. A Card Not Present Transaction is where the Cardholder and their Nominated Card are not present during the Transaction. They are typically Transactions for sales via a website or a mail or telephone order. These Transactions can be processed via an Internet Payment Gateway, by manually entering the Credit Card details in to an EFTPOS Terminal or by using a Mail, Telephone or Internet Order Transaction Voucher. 5 6 Magnetic stripe Check the card has a magnetic stripe on the reverse (8) If the Nominated Card is suspicious in any way or you notice any discrepancy, please phone the Credit Card Authorisation Centre on , and advise them that you would like a Code 10 Authorisation. The Authorisation Officer will ask you questions requiring YES or NO answers. Checks for Debit Cards Embossing should be even, with all numbers the same size and shape Check card expiry is valid Check the signature matches that on the back of the card when processing an Electronic Off-line Voucher Card Not Present Transactions carry a higher risk of fraud because the Transaction is not authorised by a PIN or signature. Therefore, it is more difficult to verify the Cardholder as the legitimate user of the card. Before you can accept Credit Card payments for Card Not Present Transactions, you must have approval from us for this facility. If we have approved your business to accept Card Not Present Transactions they must be processed in strict accordance with the Terms and Conditions, this Merchant Operating Guide and all the requirements set out in the Mail, Telephone and Internet Order Transaction Schedule. Any Card Not Present Transactions processed by your business without our agreement, or that breach any aspect of this Agreement, may be charged back to you. Authorisation All card Transactions must be authorised. An authorisation is our confirmation that, at the time at which a Transaction is processed, the card has not been reported lost or stolen or blocked for use, and that there are sufficient funds available to cover the cost of the Transaction. An authorisation does not guarantee payment. If at a later date the Transaction is found to be an Invalid Transaction, it may be charged back to you. See page 29 for more information on Chargebacks. 1 Authorisation procedures vary depending on the type of Transaction. Card Present Transactions require the Cardholder to enter a Personal Identification Number (PIN) into an EFTPOS Terminal. For Credit Card Transactions only, if you get an Accept with Signature terminal message then, the Cardholder can also authorise the Transaction by signing the Transaction Receipt Card Not Present Transactions can be authorised electronically if they are manually entered into an EFTPOS Terminal or processed via an Internet Payment Gateway. If the Transactions are manually processed using a Mail, Telephone or Internet Order Transaction Voucher authorisation must be obtained by calling the Credit Card Authorisation Centre on
5 Settlement Procedures Settlement is the term used to describe the transfer of funds into your Nominated Settlement Bank Account. In most cases you may set a time for settling your Merchant Facilities. The time period between 10.00pm and 11.00pm daily is not available as this is when we update your files to enable settlement of funds to your Nominated Settlement Bank Account. We deposit the amount of your Transactions from Debit Cards and Visa and MasterCard Credit Cards into your Nominated Settlement Bank Account. The balances of Transactions from other cards, e.g. Amex/Diners, are deposited by the Card Issuer. The table below shows when you will receive your settlement funds. Monthly Merchant Statement If you have elected to accept Credit Card Transactions, you will be sent a Merchant Statement at the end of each month. The Merchant Statement details all Credit Card Transactions you have processed in the month. It also shows the Merchant Service Fee amount due. This is the fee we charge for processing your Credit Card Transactions. Your Merchant Service Fee is debited from your Nominated Charges Bank Account on the 12th of each month (or the following business day where the 12th is a weekend or public holiday) for the previous month s Transactions. You will receive a Merchant Statement for each facility you have with us. For example, you would receive your Merchant Statement and be billed separately for a Card Present and Card Not Present facility. A sample of the Merchant Statement is shown below. 7 8 When you settle your EFTPOS terminal Monday Friday before 10.00pm When funds are paid into your Nominated Settlement Bank Account Funds processed overnight, available next morning Merchant Statement Monday Thursday after 10.00pm Friday after 10.00pm, weekends Funds processed the following night, available the following morning Funds available by 10am Monday morning ABc enterprises Po BoX 5 AUcKLAND NeW ZeALAND 1015 Freephone: Statement Period: 01 Oct 12 to 31 Oct 12 Statement Date: 02 Nov 2012 Merchant Number: Fee Summary Merchant Fee $32.21 If you do not settle your Merchant Facilities within the time period chosen, we will automatically settle it at the end of your nominated settlement period. However, a summary of Transactions will not be provided. When you settle your EFTPOS Terminal, always follow the steps detailed in your Terminal User Guide. This guide is provided by your terminal provider when they install your EFTPOS Terminal. If you need to know the value of Transactions completed through your EFTPOS Terminal at a time other than at the end of your settlement period, then you can request a Transaction Sub-totals Report. Instructions for this are provided in your Terminal User Guide. Amount charged to your current account XX-XXXX-XXXXXXX-XX as of 12 Nov 12 is $32.21 Summary of card transactions for merchant number No. of Sales Amount of Sales No. of Refunds Amount of Refunds Net Sales Fee* Merchant Fee VISA 1 $ $0.00 $ % $5.50 VISA TOTAL 1 $ $0.00 $ $5.50 MAStercArD 2 $1, $0.00 $1, % $25.67 MAeStro 6 $ $9.18 $ % $1.04 MASTeRcARd TOTAL 8 $1, $9.18 $1, $26.71 TOTAL 9 $1, $9.18 $1, $32.21 *$ - Fixed amount per transaction % - Percentage of net sales daily Banking Summary Settled date Settlement Type Amount 05/10/2012 electronic Settlement $ /10/2012 electronic Settlement $ /10/2012 electronic Settlement $ /10/2012 electronic Settlement $ /10/2012 electronic Settlement $ /10/2012 electronic Settlement $23.03 UNLeSS We receive ADVIce FroM YoU BY No LAter than 3 DAYS PrIor to the ABoVe PAYMeNt DAte, the AMoUNt SHoWN WILL Be DeBoteD to YoUr BANK AccoUNt, ANZ BANK NeW ZeALAND LIMIteD.
6 EFTPOS Terminal Message Guide When a Transaction is completed, a message will be displayed on the EFTPOS Terminal. These messages advise you whether the Transaction has been accepted or declined and what action should be taken. Common messages are detailed in the following table: Terminal Message Accepted Account Error Accept With Signature Card Expired ICC Declined / Declined Declined Code 10 Declined Refer Issuer Host Totals Disagree In Settlement Window Incorrect Pin Invalid Amount Invalid Card Card Type Error Invalid Transaction Link Fault Retry Refer Issuer Over System Limit Phone For Authority Phone Help Desk Pin Tries Exceeded Re-Enter Transaction Definition Transaction has been accepted Card is not loaded to access the account selected Signature verification required The card s expiry date has been reached do not pay out or release goods or services The Transaction was not approved do not pay out or release goods or services Use your discretion and attempt to retain the card, telephone the Credit Card Authorisation Centre, select the suspicious card option and request a code 10 authorisation do not pay out or release goods or services The Transaction was not approved do not pay out or release goods or services. Instruct the Cardholder to contact their Card Issuer When received on a settlement Transaction, telephone your Switch Network Provider You may settle your terminal The Cardholder has entered an incorrect PIN. Request them to try again do not pay out or release goods or services An incorrect cash-out amount has been entered The card is not supported on the Switch do not pay out or release goods or services The Transaction attempted is not supported on the card being used do not pay out or release goods or services The Switch cannot contact the Card Issuer for an authorisation do not pay out or release goods or services The Transaction is not approved do not pay out or release goods or services. Instruct the Cardholder to contact their Card Issuer The Transaction or daily card limit has been exceeded do not pay out or release goods or services An electronic authorisation is unable to be obtained at this time. Telephone the Credit Card Authorisation Centre and seek an authorisation Telephone your Switch Network Provider The Cardholder has attempted the maximum number of PIN attempts. Seek another form of payment Try the Transaction again do not pay out or release goods or services Frequently Asked Questions What does the monthly Merchant Service Fee cover? The Merchant Service Fee is paid to cover our costs for authorising and processing your Credit Card Transactions and crediting the funds to your Nominated Settlement Bank Account. The Merchant Service Fee also covers costs for our Merchant Business Solutions Helpdesk to answer any queries you may have. How is the Merchant Service Fee calculated? The Merchant Service Fee is normally calculated as a percentage of the total dollar value of Credit Card Transactions processed for your business during the month and the average ticket size (sale). Fixed rates may be provided on request. A minimum monthly fee will generally apply. Are the funds credited to our account guaranteed? If the Transaction has been properly authorised and the transaction successfully completed, we will credit cleared funds to your Nominated Settlement Bank Account. However, this payment may still be reversed later if a Chargeback event occurs or the Transaction is later discovered to be an Invalid Transaction. For details, refer to the section on Chargebacks see page 29. How to Change Merchant Information If you need to change any of the information that you initially provided to us, call ANZ Merchant Business Solutions on Who pays the cost if one of our employees uses a card fraudulently? Your business is financially responsible for all card fraud, whether carried out by an employee, a Cardholder or both in collusion. To reduce the risk, ensure the rules outlined in this guide are explained to staff, and follow the tips for detection in the section on fraud see page 24. If we are using an EFTPOS Terminal, do we also need a Card Imprinter? The Card Imprinter enables you to continue accepting Credit Card Transactions even if your EFTPOS Terminal is not working and Electronic Offline Voucher (EOV) is not operating. 9 10
7 What happens if the card details are not imprinted on a Transaction Voucher? If a Transaction Voucher has no imprint, it cannot be processed. If the imprint is hand written, it can be processed but can also be charged back if the Cardholder disputes the Transaction. What should we do if we have given the bank copy of the Transaction Voucher to the customer? If this happens, just cross out the word Merchant on the other copy of the Transaction Voucher, write Bank Copy on it and bank as normal. If you are in any doubt, phone ANZ Merchant Business Solutions on You should keep a photocopy for your records. Can I charge for processing? You can apply a Surcharge Fee to some or all Visa and MasterCard Credit Card Transactions. If applying a Surcharge Fee you must comply with the procedures set out in Clause 21 of the Terms and Conditions. Can I give cash out with a card Transaction? You must not provide cash to a customer on a Credit Card Transaction under any circumstances. Cash can only be provided to customers making Debit Transactions. It is recommended that the customer be asked to sign the receipt as proof of receiving the cash. How to Process Transactions Card Present Transactions Card Present Transactions using an EFTPOS Terminal Validate the Nominated Card by performing the security checks described on page 4. Enter the type of Transaction into the EFTPOS Terminal and the amount and then press enter. 1. If the card presented is a chip card, process the Transaction by inserting the Cardholder s card into the EFTPOS Terminal and leave the card inserted until the EFTPOS Terminal says remove card. 2. If the card presented does not have a chip, process the Transaction by swiping the Cardholder s card through the magnetic swipe reader on the EFTPOS Terminal. 3. If the card presented displays the MasterCard PayPass or Visa PayWave logo and your EFTPOS Terminal supports Contactless Transactions, the Cardholder can process the Transaction by tapping their card on the EFTPOS Terminal Contactless Reader subject to certain Transaction value limits. Credit Card Transactions The Cardholder authorises Credit Card Transactions by using a Personal Identification Number (PIN) or by signing the Transactions Receipt. If a PIN is used and the Transaction is successfully authorised, an accepted message will appear on the EFTPOS Terminal. If a PIN is not used and the Transaction is successfully authorised, an accepted with signature message will appear on the EFTPOS Terminal. When the Cardholder signs the Transaction Receipt, you must check the signature matches that on the back of the card. If a declined message appears on the EFTPOS Terminal, ask the Cardholder for an alternative form of payment or retain the goods. If the declined message tells you to retain the card, please do so if this can be done safely at your discretion. Then phone the Credit Card Authorisation Centre on Debit Transactions The Cardholder authorises Debit Transactions by using a Personal Identification Number (PIN). An accepted message will appear on the EFTPOS Terminal if the Transaction is successfully authorised. If a declined message appears on the EFTPOS Terminal, ask the Cardholder for an alternative form of payment or retain the goods. Contactless Transactions When your EFTPOS Terminal supports Contactless Transactions: If the value of the Transaction is $80 or less, a PIN or signature is not required and an accepted message will appear on the EFTPOS Terminal once the card has been tapped on the card reader and the Transaction has been authorised. If the value of the Transaction is for more than $80, a PIN or signature is required to authorise the Transaction. If a PIN is used, an accepted message will appear on the EFTPOS Terminal if the Transaction is successfully authorised. If a PIN is not used, an accepted with signature message will appear on the EFTPOS Terminal if the Transaction is successfully authorised and the Cardholder must sign the Transaction Receipt and you must verify the signature against the signature on the card. If a declined message appears on the EFTPOS Terminal, ask the Cardholder for an alternative form of payment or retain the goods
8 Transaction Receipt For all Card Present Transactions, you must provide the Cardholder with the Customer Copy of the Transaction Receipt. This provides the Cardholder with a detailed record of their purchase from you. You must retain the Merchant Copy of all Transaction Receipts in Receipt a secure location for 18 months. An example of a Transaction Receipt is shown below. ANZ ABCDE ENTERPRISES 123 MAIN STREET WELLINGTON 6011 New Zealand MID TSP TIME 11JAN15 12:34 TRAN CREDIT ANZ VISA VISA I Card RID A PIX 1010 TVR C000 TSI F800 TC DC4567ABC98765DE AUTH R56789 PURCHASE TOTAL NZD20.00 NZD20.00 (000) APPROVED Merchant details Terminal identification Card Present Transactions using a Card Imprinter or the IVR Authorisation and Settlement Service Time and date of transaction System trace audit number and card type Card description Authorisation number Card number Type of Card EMV transaction record number Authorisation number Purchase amount Total amount Response EFTPOS receipts may vary between merchant facility providers. You may process a Credit Card Transaction using a Card Imprinter or the IVR Authorisation and Settlement Service if: Your EFTPOS Terminal is not operating and EOV is unavailable, or A MasterCard or Visa Credit Card cannot be read by your EFTPOS Terminal, or You don t operate electronic Merchant Facilities and we have given you permission to process Transactions with a Card Imprinter or through the IVR Authorisation and Settlement Service using Sales Vouchers. For Transactions processed using a Card Imprinter, follow all the steps below. For transactions processed using the IVR Authorisation and Settlement Service, follow steps 1, 5 and 6 to Validate the Credit Card see page Place the Credit Card (embossed side up) in the Card Imprinter. 3. Place the Sales Voucher on top of the Credit Card. 4. Imprint the Credit Card details by firmly moving the handle completely across the Sales Voucher and then return it to the original position. 5. Ensure all details are legible on every page of the Sales Voucher if not, hand write the details. 6. Complete the date, amount, sales total and a brief description of the goods or services. 7. All Transactions must be in New Zealand dollars. 8. Ensure the Cardholder signs the Sales Voucher. 9. Check the signature on the Sales Voucher and compare it against the signature on the Credit Card. If the Transaction is over your Authorised Floor Limit of $100 for Card Imprinter Transactions and for all IVR Authorisation and Settlement Service Transactions, call the Credit Card Authorisation Centre on while the Cardholder is present if possible. If the Transaction is authorised, write the authorisation number you are given by the Authorisation Centre on the space provided on the Sales Voucher. If you are using the IVR Authorisation and Settlement Service, your Nominated Settlement Bank Account will be credited overnight. If the Transaction is declined: Ask for another form of payment or retain the goods If asked by the Authorisation Centre, please retain the card if this can be done safely at your discretion. You must provide the Cardholder with the Customer Copy of the Sales Voucher. This provides the Cardholder with a detailed record of their purchase from you. You must retain the Merchant Copy of all Sales Vouchers in a secure location for 18 months. For Card Imprinter Sales Vouchers, the Bank Copy of the Sales Voucher must be banked within three days of the Transaction. Refer to page 19 for the Sales Voucher banking procedures. Should an occasion arise where you have goods returned and need to refund the customer, follow the below process: For IVR Authorisation and Settlement Service customers, call ANZ Merchant Business Solutions on For Card Imprinter Transactions, complete a Credit Voucher see page
9 An example of a Sales Voucher is shown below. Card Not Present Transactions using a Mail, Telephone or Internet Order Transaction Voucher or the IVR Authorisation and Settlement Service Obtain and record the following Credit Card details on the Mail, Telephone or Internet Order Transaction Voucher we provide you: Cardholder s name Credit Card expiry date Credit Card account number Transaction amount Card Not Present Transactions Card Not Present Transactions using an EFTPOS Terminal These Transactions are also known as manually entered Transactions or Primary Account Number (PAN) entered Transactions. PAN entry is the manual input of Credit Card details into your EFTPOS Terminal. To process this type of Transaction you must: 1. Obtain the Credit Card details from the Cardholder: Credit Card account number Credit Card expiry date 2. Manually enter the Credit Card details into the EFTPOS Terminal, following the instructions on the screen as you go. 3. The EFTPOS Terminal will seek an automatic authorisation: If the Transaction is successfully authorised, an accepted message will appear on the EFTPOS Terminal. Send or provide the goods or services to the customer. If a declined message appears on the EFTPOS Terminal, do not provide or send the goods or services and ask the Cardholder for another form of payment. You must retain the Merchant Copy of all Transaction Receipts in a secure location for 18 months. Transaction Receipts can be destroyed after 18 months by shredding them into small pieces. Important Note: Because the IVR Authorisation and Settlement Service only processes whole dollar values, you will need to round up or down the value of your product or service accordingly and advise your customers who pay by credit card that this rounding will occur. It is also recommended that you record and retain reasonable identification details which can include the Cardholder s physical address, a landline contact telephone number (i.e. not a mobile phone number) the name of the Card Issuing Organisation and the country the Credit Card was issued in. If you have a signed authority from the Cardholder to charge their Credit Card, we suggest you keep this on file for a minimum of 18 months in a secure location as it may be requested by us at anytime to substantiate the Transaction. For telephone orders, we recommend you ask for a fax or written confirmation from the customer as a precaution against fraud. All mail, telephone or internet order transactions require authorisation prior to the goods being sent to the customer. Call the Credit Card Authorisation Centre on Selected Credit Card Authorisations from the menu. You will be asked to enter your merchant number and PIN (your PIN number is the last five digits of your merchant number). You ll be asked for the following information: The card number The amount of the purchase (whole dollars only) The card expiry date. If approval is given and the Transaction is successfully authorised by the Authorisation Centre, write the authorisation number on the Mail, Telephone or Internet Order Transaction Voucher and send or provide the goods or services to the customer. If using the IVR Authorisation and Settlement Service, your Nominated Settlement Bank Account will be credited overnight. If the Transaction is declined or the card fails any validation checks, do not send the goods or perform the services and ask the Cardholder for another form of payment.
10 Example of Mail, Telephone and Internet Order Transaction Voucher If you are using the Merchant Administration system within an approved Internet Payment Gateway for Mail or Telephone Order Transactions, follow the instructions for processing Transactions in the user guide provided. If the Credit Card authorisation is successful, an approved or accepted or similar message will appear. Once this payment confirmation is received you must send the goods ordered or make the service ordered available to the customer. If the authorisation is not successful contact the customer and ask for another form of payment or retain the goods Mail, Telephone or Internet Order Transaction Vouchers must be banked within three days of the Transaction. Refer to page 21 for the banking procedures. Do not list refunds on the Mail, Telephone or Internet Order Transaction Voucher. Should an occasion arise where you have goods returned and need to refund the customer, follow the process below: For IVR Authorisation and Settlement Service customers, call ANZ Merchant Business Solutions on Otherwise complete a Credit Voucher. Card Not Present Transactions using an Internet Payment Gateway Transactions processed via an approved Internet Payment Gateway can either be done by the Cardholder entering their card details into a secure payment page accessible directly from your website at the time of the purchase or by you manually entering the card details you have collected into a secure payment page. All Transactions processed via an approved Internet Payment Gateway are authorised automatically. When a customer makes a purchase on your website via a secure payment page, if the authorisation is successful, you will be sent an order confirmation by or directed to your point of sale system notifying you of the order and that payment has been received. Once this order and payment confirmation is received, you must send the goods ordered or make the service ordered available to the customer. If the authorisation is not successful you will not receive notification of an order. When processing Card Not Present Transactions via an Internet Payment Gateway, your website must meet all the requirements set out in the Additional Services Schedule relating to Mail, Telephone and Internet Order Transactions which forms part of the Agreement. You must also comply with any requirements of the Nominated Card Schemes and the Payment Card Industry Data Security Standard as requested by us. How to Process Refunds and Credits If a customer returns goods purchased with a Visa or MasterCard Credit Card, under no circumstances should you give out cash. Both Visa and MasterCard provide for refunds and exchanges on their respective Credit Cards. If the original Transaction was made via your EFTPOS Terminal, regardless of whether it was Card Present or a Card Not Present Transaction, complete a refund Transaction on your EFTPOS Terminal if it has a refund facility and its use has been approved by us. This facility will credit the Cardholder s account in the same way as it was debited for the original purchase. You should follow the instructions for refund Transactions as detailed in your Terminal User Guide. If the original Transaction was made via an approved Internet Payment Gateway, you must complete the refund Transaction via the Internet Payment Gateway if it has a refund facility and the use of that facility has been approved by us. This will credit the Cardholder s account in the same way as it was debited for the original purchase. You should follow the instructions for refunding Transactions as detailed in your Internet Payment Gateway User Guide. If your EFTPOS Terminal or Internet Payment Gateway does not have the refund facility or the Transaction was processed by banking a manual Sales Voucher or a Mail, Telephone or Internet Order Transaction Voucher, complete the refund by using a Credit Voucher. A Credit Voucher is completed in a similar way to a Sales Voucher using the Card Imprinter. Place the Credit Card embossed side up, in the Card Imprinter. Place the Credit Voucher on top of the Credit Card. Imprint the Credit Card details by firmly moving the handle completely across the Credit Voucher and then return it to the original position. Ensure all details are legible on every page of the Credit Voucher if not, hand write the details. Complete the date, amount, sales total and a brief description of the goods or services being returned. All Transactions must be in New Zealand dollars. Ensure the Cardholder signs the Credit Voucher. Check the signature and compare it against the signature on the Credit Card.
11 Example of Credit Voucher The maximum number of Sales and Credit Vouchers per Merchant Summary Voucher is 50. If your lodgement exceeds 50, complete a separate Merchant Summary Voucher per 50. Place the processor copy of the Merchant Summary Voucher on top of the bank copies of the Sales and Credit Vouchers Example of a completed Merchant Summary Voucher In the case of a Mail, Telephone or Internet Order Transaction Voucher, all details on the Credit Voucher can be handwritten. Remember to provide the Cardholder with the Customer Copy of the Credit Voucher. This provides them with a detailed record of their returned items and a receipt for the refund. You must retain the Merchant Copy of all Credit Vouchers in a secure location for 18 months. The Bank Copy of the Credit Voucher must be banked within three days of the Transaction by following the banking procedures outlined below. If merchandise is exchanged If the new item is of greater value than the original item, complete a Sales Voucher for the difference. If the new item is of lesser value than the original item, complete a Credit Voucher for the difference. If the new item is of the same value there is no need to complete a further Transaction. Banking Procedures for Transaction Vouchers Card Imprinter Credit Card Sales Vouchers When preparing Sales Vouchers for banking: Deposit Sales Vouchers together with any Credit Vouchers within three Business Days of the date of the Transaction. Separate the Bank Copy of all Sales and Credit Vouchers from the Merchant Copy. Retain the Merchant Copy for 18 months in a secure location. Imprint a Merchant Summary Voucher, ensuring your trading name and merchant number are legible. Complete the date section of the Merchant Summary Voucher, to reflect the date of the deposit. List the individual Sales and Credit Vouchers and complete the total for the quantity and the value of the vouchers on the Merchant Summary Voucher. If the number of Sales and Credit Vouchers submitted exceeds nine, complete and enclose an adding machine tape. If your Nominated Settlement Bank Account is with us: Place your Sales and Credit Vouchers in a bank deposit bag, along with the completed Merchant Summary Voucher. Complete a bank deposit slip for your Nominated Settlement Bank Account listing the Visa and MasterCard total along with any cash or cheques you are depositing. Deposit the lodgement at your branch. If your Nominated Settlement Bank Account is not held with us: Place your Sales and Credit Vouchers along with a completed Merchant Summary Voucher in a postal deposit envelope. Complete and include a bank deposit slip for your Nominated Settlement Bank Account and post the lodgement to: Merchant Deposits ANZ Merchant Business Solutions PO Box 2211 Wellington 6140 If the value of Credit Vouchers exceeds that of your Sales Vouchers in any one lodgement, please include a cheque for the net amount (difference between the value of the Credit Vouchers and the Sales Vouchers), payable to us. This will replace the bank deposit slip.
12 Mail, Telephone or Internet Order Transaction Vouchers When preparing Mail, Telephone or Internet Order Transaction Vouchers for banking, ensure that the following details are completed on the voucher: Date Your Trading Name Your Merchant Number Number of Transactions Total value of Transactions Your signature Each completed page is to be treated as a separate deposit and a Merchant Summary Voucher is required for each deposit. Imprint a Merchant Summary Voucher, ensuring your trading name and merchant number are legible. Complete the date section of the Merchant Summary Voucher, to reflect the date of the deposit. Complete totals for the quantity and value of the sales Transactions. Place the Processor Copy of the Merchant Summary Voucher on top of the Bank Copy of the Mail, Telephone or Internet Order Transaction Vouchers. Retain the Merchant Copy of the Merchant Summary Voucher and Mail, Telephone or Internet Order Transaction Voucher for 18 months storing in a secure location. If your Nominated Settlement Bank Account is with us: Place your Mail, Telephone or Internet Order Transaction Vouchers and any Credit Vouchers in a bank deposit bag, along with the completed Merchant Summary Voucher. Complete a bank deposit slip for your Nominated Settlement Bank Account listing the Visa and MasterCard total along with any cash or cheques you are depositing. Deposit the lodgement at your branch. If your Nominated Settlement Bank Account is not held with us: Place your Mail, Telephone or Internet Order Transaction Vouchers and any Credit Vouchers in a postal deposit envelope, along with the completed Merchant Summary Voucher. Complete and include a bank deposit slip for your Nominated Settlement Bank Account and post the lodgement to: Merchant Deposits ANZ Merchant Business Solutions PO Box 2211 Wellington 6140 If the value of Credit Vouchers exceeds that of your Mail, Telephone or Internet Order Transaction Vouchers in any one lodgement, please include a cheque for the net amount (difference between the value of the Credit Vouchers and the Mail, Telephone or Internet Order Transaction Voucher) payable to us. This will replace the bank deposit slip. Notice of Error On occasions you may receive a Notice of Error from us. Such notices explain why an item included in your banking has not been processed, or why your banking has been adjusted. The most common reasons for a Notice of Error being issued are: Incorrectly completed Transaction Vouchers, e.g. signature missing from voucher. Incomplete information, e.g. unreadable imprint on the Transaction Voucher. Inclusion of cards from other card companies, e.g. American Express. Incorrect addition of Transaction Vouchers. The Notice of Error will provide an explanation of why the Transaction cannot be processed, or why the banking total has been adjusted. If requested, you may need to rectify the problem and resubmit the original or a replacement Transaction Voucher for processing. EFTPOS Terminal not Working Your EFTPOS Terminal may not work for a number of reasons: Power outage Technical failure with the hardware or software Telecommunications failure Problem with the Switch. A list of the most common reasons for your EFTPOS Terminal not working, and the message it will display, are provided below. Terminal Message Comms Error Time Out No Response from Host or Response Error Unable to Process Transmission Error System Fault Power Failure If your EFTPOS Terminal displays one of the above messages: Description Telecommunications outage Communications or network fault EFTPOS network outage Terminal hardware fault Phone line or PABX fault at site Host issuers fault while authorising card Power cut or failure Where EOV is not possible, you may revert to using Transaction Vouchers to process Transactions for a maximum two-hour period without seeking approval from us to continue use. These vouchers will allow you to continue to accept Credit Cards for payment. See page 13 for details on how to process Card Present Transactions using a Sales Voucher
13 If the problem persists after a two-hour period, you must call for approval to continue to use Transaction Vouchers. Approval to use Transaction Vouchers for other circumstances or for messages that differ from those above must be sought by calling the ANZ Merchant Business Solutions Helpdesk on In the event the issue is a problem with the Switch or a telecommunications failure, some EFTPOS Terminals can perform Electronic Off-Line Transactions, also known as Electronic Off-Line Vouchers (EOV). When your EFTPOS Terminal is in EOV mode the words EOV will be displayed at the bottom of the terminal screen. When processing Electronic Off-Line Transactions, the EFTPOS Terminal will return a Transaction Captured response rather than Approved or Declined and in most cases the Transaction Receipt will require a Cardholder signature. You may process Electronic Off-Line Transactions when your EFTPOS Terminal is not connected to the Switch due to a fault or connectivity issue. This saves you from having to manually process Transactions using a Transaction Voucher. However, not all card types are supported in EOV mode. When processing Electronic Off-Line Transactions, the Transaction is stored in the EFTPOS Terminal s memory, which will later be processed when the connection to the Switch is restored. The EFTPOS Terminal will attempt to connect to the Switch every 10 minutes. Please note, you can only process Electronic Off-Line Transactions when: The Cardholder is present at the time of the Transaction. The Transaction does not include any cash-out component. The Transaction Receipt is signed by the Cardholder and the signature is comparable with the signature on the card, or if prompted the Cardholder enters their PIN. The transaction is not a refund transaction. The transaction is not greater than $300. The Merchant copy of the Electronic Off-Line Transaction Receipt will be printed with the cardholder s full credit card number. This must be stored securely for 18 months as it may be requested by the cardholder s bank to verify the Transaction. You should also be aware that: The Card Issuer can apply an EOV transaction limit to a chip card, and if this is less than the EOV limit set on the terminal, the Card Issuer s limit will prevail and the card may decline in an EOV transaction. The Card Issuer may also restrict whether the card can be used in an EOV transaction. Terminals connected to the EFTPOS New Zealand network can process and store up to 200 transactions a day up to a total maximum value of $5,000 for credit and/or debit card transactions. When this limit is reached, no further transactions can be processed until the terminal is reconnected to the EFTPOS System, or the terminal limit is reset (the terminal limit resets every midnight). Terminals connected to the Paymark network can process and store up to 99 transactions in EOV mode at any one time. Should a terminal reconnect to the EFTPOS System and some or all of the transactions are processed, and the terminal relapses into EOV mode, then additional transactions (up to 99) can be processed and stored in the terminal. If the terminal fails to upload stored transactions when the connection is fixed, please contact the ANZ Merchant Business Solutions Helpdesk on for instructions on how to process the Merchant copy of the Transaction Receipts. Please note that if Transaction Receipts are not retained under these circumstances, you will be liable for any related losses. When immediate electronic authorisation is not available, you must always keep within your Credit Card Authorised Floor Limit. Your Authorised Floor Limit is the dollar amount allocated for Credit Card Transactions that are not automatically authorised electronically (e.g. via an EFTPOS Terminal or Internet Payment Gateway) without having to call the Authorisation Centre. Your Credit Card Authorised Floor Limit is $300 except for the following Transaction types or categories where the floor limits are set out below: Card Not Present Transactions = Nil Card Present manual Transactions = $100 Mail, Telephone and Internet Order Transactions = Nil Travel Industry = $1,000 Un-embossed cards = Nil. Fraud Protection and Chargebacks Fraud Protection and Minimisation Tips Fraud can be committed by persons using stolen Credit Card details, employees or both in collusion and can cause significant financial and reputational loss for your business. Your business is liable for all card fraud committed through your Merchant Facilities. If a Credit Card Transaction turns out to be fraudulent, it may be charged back to you and it could end up costing your business more than the original sale. High Chargeback levels can also attract penalties from the Nominated Card Schemes, including fines, and could result in the termination of your Merchant Facilities. The more you know about the potential risks, the more you ll be able to protect your business against fraud and costly Chargebacks. Some Transactions carry a higher risk of fraud than others. Higher-Risk Transactions Card Not Present Transactions particularly from: First-time customers orders Phone orders Mail orders Internet orders International orders particularly from Asia and Africa. Manually entered Transactions where the Credit Card number is manually entered into the terminal instead of swiping or inserting the card. Transaction where an authorisation has not been obtained
14 Lower-Risk Transactions Card Present Transactions Transaction is completed through an EFTPOS terminal Imprint of Credit Card where signature and authorisation is obtained Internet Transaction authenticated via Verified by Visa or MasterCard SecureCode. In providing you with suggestions on how to reduce the risk of fraudulent Transactions in your business, we make no representation as to the effectiveness of those suggestions or guarantee a reduction in or protection from fraudulent Transactions. Card Not Present Transaction Fraud If you have been approved by us to process Card Not Present Transactions, the recommended steps below can help you identify and reduce the risk of Card Not Present fraud in your business. In addition to obtaining the card information required to complete the Transaction, i.e. Credit Card number, expiry date and Cardholder name, also obtain the Cardholder s physical address, a contact telephone number (not a mobile phone number), the name of the bank and the country the card was issued in. All Card Not Present Transactions, regardless of their value, must be authorised. Authorisation confirms that funds are available and the Credit Card has not been reported lost or stolen. An authorisation does not guarantee payment or that the Cardholder is the legitimate user of the Credit Card. If a Transaction is later found to be fraudulent or disputed by the Cardholder, it may become subject to a Chargeback. Monitor your Transactions regularly keep an eye out for any recurring or sequential data elements. Look for Transactions that might be testing your system (e.g. many sales to the same address). Be wary of sending goods to overseas addresses, especially third-world countries. Be wary of orders originating from free services, i.e. yahoo, hotmail, gmail. They do not require a billing relationship or verification that a legitimate Cardholder opened the account. Be wary of urgent orders. Fraudsters will often want their illegally obtained items as soon as possible for quick resale. Be wary of orders shipped to a single address but made on multiple cards. Also check for multiple Transactions on one card or similar cards with a single billing address, but multiple shipping addresses. Do not send goods that are not part of your core business. If an order is received via the telephone or Internet, ask the customer to fax written confirmation of the Transaction and get them to include all possible details (as above), including a photocopy of both sides of the card if possible. Compare the signature on the card with the signature on the fax. Develop and maintain customer databases to track buying patterns and identify changes in buying behaviour. For telephone orders, wait a short period of time after the call is terminated, then call the given telephone number and ask for the caller. Confirm details of the order and record the date and time you spoke with the customer. If a courier delivers the goods, ensure the courier company returns the delivery acknowledgment so the signature of the recipient can be verified. Ensure goods are not left at vacant premises or left with a third party. If the Cardholder collects the goods, ensure the following: The Credit Card is presented at the point of collection Check that the name on the Credit Card is the same The Credit Card security features are checked The Cardholder signs the delivery acknowledgment form The signature is the same as that on the back of the Credit Card Ask for suitable identification (photo ID preferable) Be suspicious if someone collects goods on behalf of the Cardholder. Card Present Transaction Fraud Individuals using Credit Cards fraudulently in Card Present Transactions often behave unusually. While the following behaviours do not necessarily indicate criminal activity, be alert for customers who: Make indiscriminate purchases without regard to size, colour or price. Are unnecessarily talkative or delay a selection repeatedly, until you re flustered. Hurry you at closing time. Purchase an extended warranty without hesitation even though it may be costly. Refuse clothing alterations even though they are included in the price of the garment. Make purchases, leave the store, and return a short while later to make additional purchases. Pull the Credit Card out of a pocket rather than a wallet. Always use common sense as your guide but if you are suspicious of a customer s card, call the Credit Card Authorisation Centre on and select the suspicious card option. Ask for a Code 10 authorisation and follow the operator s instructions. In some cases we may already be aware of a problem with a card. Your EFTPOS Terminal may display a Code 10 message. If this occurs, call the Credit Card Authorisation Centre and select the suspicious card option and request a Code 10 authorisation and follow the operator s instructions. You should never make any physical attempt to prevent a suspicious customer from leaving your Premises. However, where possible and at your discretion try and retain the suspicious Credit Card if this can be done safely. It is best to establish where the customer went to, and if using a motor vehicle, record the registration number and description of the vehicle. This information, together with a full description of the customer and any associates, should be written down as soon as possible
15 A reward will be paid to you if you provide information relating to the successful prosecution of persons using stolen or counterfeit cards. A reward of $150 will be paid for the recovery of a fraudulent card as a result of a code 10 authorisation request. A reward of $100 will be paid for the recovery of any Credit Card at the request of the Credit Card Authorisation Centre, or when directed to do so by the EFTPOS Terminal. Send all cards recovered to: ANZ Merchant Business Solutions Attention: Manager Card Fraud PO Box 2211 Wellington 6140 Rewards will be paid upon receipt of confirmation from the Credit Card Authorisation Centre, or confirmation that the Police have been involved and have retained the card as evidence. If you have CCTV evidence relating to Credit Card fraud you should contact the Credit Card Authorisation Centre, so it may be presented to the Police to support any charges against offenders. Employee Fraud Be alert to changes in employee behaviour or sudden evidence of an increase in their wealth and take the following steps to reduce the risks of employee fraud in your business. Restrict access to your refund card and Credit Vouchers. Limit the number of employees with access to your merchant number. Always balance EFTPOS settlements and refunds. Check your settlement amounts balance with the daily sales amounts (to check refunds are not being inappropriately received). If your Agreement allows you to process manual key entered Transactions in to your EFTPOS Terminal watch out for high volumes of these types of Transactions being processed through your terminal. Restrict access to copies of Sales Vouchers this prevents staff recording card numbers and keying numbers manually into your EFTPOS Terminal or using them for mail, telephone and internet order transactions. Be wary of staff taking cash sales and balancing by processing fraudulent card Transactions. Protecting Account and Transaction Information If you accept Credit Card details from your customers, or use a third-party service provider to do so (i.e. an Internet Payment Gateway provider), you are responsible for ensuring that the customer s payment details are secure at all times. The Payment Card Industry Data Security Standard defines 12 industry best practices for handling and protecting Credit Card details. All businesses and third-party service providers that store, process or transmit Credit Card data must be compliant with the PCI standard. The PCI Standard details what needs to be protected and/or made secure and provides you with a framework of how to control the risks and keep Credit Card details in your possession safe and secure. The aim of the standard is to ensure a business, regardless of its size, follows good business practice for processing, storing and transmitting Credit Card details. You must: 1. Install and maintain a firewall configuration to protect Cardholder data. 2. Do not use vendor-supplied defaults for system passwords and other security parameters. 3. Protect stored Cardholder data. 4. Encrypt transmission of Cardholder data across open, public networks. 5. Use and regularly update anti-virus software or programs. 6. Develop and maintain secure systems and applications. 7. Restrict access to Cardholder data by business need-to-know. 8. Assign a unique ID to each person with computer access. 9. Restrict physical access to Cardholder data. 10. Track and monitor all access to network resources and Cardholder data. 11. Regularly test security systems and processes. 12. Maintain a policy that addresses information security for employees and contractors. A full copy of the latest Payment Card Industry Data Security Standards is available online at: Further information is also available from the following websites: Securing your EFTPOS Terminal All EFTPOS Terminals are equipped with a number of in-built security features which are designed to help protect your customers information. By implementing the recommendations below, you can help protect your business, your customers and your reputation from Credit Card and Debit Card fraud or misuse through your EFTPOS Terminal. Always ensure that your EFTPOS Terminals are secure and under supervision during operating hours (including any spare or replacement EFTPOS Terminals you have) Ensure that only authorised employees have access to your EFTPOS Terminals and they are fully trained on their use. When closing your store, always ensure that your EFTPOS Terminals are securely locked and not exposed to unauthorised access.
16 Never allow your EFTPOS Terminal to be maintained, swapped or removed without advance notice from your terminal provider. Be aware of unannounced service visits and only allow authorised personnel to maintain, swap or remove your EFTPOS Terminal, and always ensure that security identification is provided. Inspect your EFTPOS Terminals on a regular basis ensure that there are no additional cables running from your terminals and that the casing has not been tampered with. Check your EFTPOS Terminal is located where it should be each time you open your store or premises and is printing the correct details on receipts. Record your EFTPOS Terminal s serial number and store it in a secure location. Check the serial number matches this record each morning. Make sure that any CCTV or other security cameras located near your EFTPOS Terminals cannot observe Cardholders entering details. Contact ANZ Merchant Business Solutions on immediately if: Your EFTPOS Terminal is missing. You or any member of your staff is approached to perform maintenance, swap or remove your EFTPOS Terminal without prior notification from your terminal provider and/or security identification is not provided. Your EFTPOS Terminal prints incorrect Receipts or has incorrect details. Your EFTPOS Terminal is damaged or appears to have been tampered with. Chargebacks A Chargeback occurs when a Cardholder (or their bank) raises a dispute in connection with a Credit Card Transaction processed by you. You and your business are financially liable for all Chargebacks. If the dispute is resolved in favour of the Cardholder, the Transaction is charged back to you and the value is debited from your Nominated Bank Account(s). As the Merchant, you could possibly lose the value of the sale as well as incurring a Chargeback Fee. You can minimise the possibility of Chargebacks by following the procedures in this Merchant Operating Guide. In Card Not Present Transactions, if a fraudster is intent on defrauding you, it is very difficult to protect yourself. While we recommend you follow the procedures in the guide, it is up to you to decide the level of checking and what processes you have in place to reduce the chance of fraud. Usually any fraud will manifest itself in the form of a Chargeback well after you have sent the goods. The following list of Chargebacks includes, but is not limited to, the most common reasons why a Transaction may be disputed by a Cardholder, thus becoming the subject of a Chargeback: Processing errors Unauthorised use of card No signature on the Transaction Receipt or Sales Voucher Unauthorised Transaction Invalid card account number Transaction exceeds Authorised Floor Limit Card details not imprinted on the Sales Voucher Incorrect Transaction amount Credit Card expired at time of sale Illegible or altered details on the Sales Voucher Failing to respond to a retrieval request Goods not received by purchaser, wrong goods sent or goods are defective. There are additional reasons why a Transaction may become the subject of a Chargeback, and these are determined from time to time by us and/or Visa and MasterCard A Chargeback can occur up to 120 days from the date a Transaction is processed, or from the date the goods or services were expected to be received by the Cardholder. We require you to store all Transaction Receipts and Transaction Vouchers for 18 months after the Transaction processing date. After 18 months, these should be destroyed by shredding them in to small pieces. If a Cardholder approaches you disputing a Transaction and you are unable to resolve the issue, you should refer the Cardholder to their Card Issuer. If a Transaction is disputed, the bank that holds the account of the Cardholder in question will notify us and we will notify you of the dispute. If our Transaction records cannot show sufficient proof of the Transaction, you will be notified of the problem in writing and asked to respond in writing within seven days with sufficient information to validate the Transaction. If you fail to respond within seven days, cannot provide sufficient proof of the Transaction, or we find proof that you have breached your Agreement, the Transaction may be charged back to you. If you are subject to an excessive number of Chargebacks, we reserve the right to charge for the processing of these disputes.
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You should read carefully these Terms and Conditions and the Finance Conditions for the relevant Linked Facility and retain them for future reference. Copies of each of the documents can be made available
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Reloadable Visa Debit Card These are your Reloadable Visa Debit Card Terms and Conditions. "Agreement" means these Visa Prepaid Card Terms and Conditions."We" "us" and "our" refer to Del Norte Credit Union.
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